Arc
Software-driven banking & growth capital for startups
Cogni
Your money. Your lifestyle. One app
Updated June 2026
| Arc | Cogni | |
|---|---|---|
| Rating | 4.9★ | 1.0★ |
| Reviews | 20 | 2 |
| Pros | 17 | 0 |
| FactScore™ | 64.3 | 4.8 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Arc — Pros
Excellent customer support Comprehensive startup banking Modern UX/UI Responsive team Fast account setup High yield savings Secure platform Software-driven banking Efficient cash management Fast product development Tech-centric platform Growth capital access Community trust High interest rates Integrated financial products No equity requirement Transparent processBoth tools — Pros
—Only in Cogni — Pros
No unique pros listedOnly in Arc — Cons
Billing issuesBoth tools — Cons
—Only in Cogni — Cons
—Details
| Arc | Cogni | |
|---|---|---|
| Categories | Online banking, Financial planning, Neobanks, Treasury management platforms | Online banking, Neobanks, Money transfer |
| Platforms | Web | Web |
| Added | June 29, 2023 | August 25, 2020 |
| Website | www.arc.tech | getcogni.onelink.me |
Who Should Pick Which?
Choose Arc if...
- Excellent customer support
- Comprehensive startup banking
- Modern UX/UI
Choose Cogni if...
- No unique pros listed
With a FactScore™ of 64.3 vs 4.8, Arc leads in community reception. Arc uniquely offers Excellent customer support and Comprehensive startup banking, while Cogni stands out for No unique pros listed.
What Users Say
Arc
Arc has become widely used and well-regarded in the YC Community, which has high standards for products like this. Many YC companies tell us they love Arc and have had a great experience. In the wa...
We recently became customers of Arc at Momentum, but have been following their progress for the last 9 months or so. The speed at which they've been able to ship a full suite of products for startu...
HUGE fan of Arc, they have made everything so simple that we have basically automated all of our startup banking needs. It also doesn't hurt that we get 5%+ APY on our savings in the account. 10/10...
Cogni
I wish I can give 0 stars. Not only they ask you to undertake long and complicated verification, but also when I linked my bank account and set a money transfer they somehow confused bank accounts ...
They are asking full social security number over the phone! Are you serious? Awful customer service who doesn't care at all about you. Application doesn't work 5 out of 10 logins.
Related Comparisons
Frequently Asked Questions
Which is better, Arc or Cogni?
Based on FactScore™, Arc leads with a score of 64.3 vs 4.8. Arc has a higher rating of 4.9★ compared to 1.0★.
What are the pros of Arc compared to Cogni?
Arc uniquely offers: Excellent customer support, Comprehensive startup banking, Modern UX/UI, Responsive team, Fast account setup.
What are the pros of Cogni compared to Arc?
Cogni uniquely offers: No unique pros listed.
Is Arc better rated than Cogni?
Arc is rated 4.9★ from 20 reviews. Cogni is rated 1.0★ from 2 reviews.
What is the FactScore™ of Arc and Cogni?
FactScore™ weighs rating and review volume together. Arc scores 64.3 and Cogni scores 4.8.
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